Sally went to Furniture-4-U, picked out a living room set, but needed financing to purchase the furniture. The store explained that she could get financing with Big Finance Company. Sally was presented with, and signed, a financing contract.

The financing contract provided that she - as the consumer - waived all defenses concerning the living room furniture.

Turns out, the furniture was defective. The finance company is demanding that Sally make the payments to it required by the contract and resolve any disputes about the quality of the furniture solely with the furniture store, Furniture-4-U.

What are Sally's rights?